ya, the only difference between a savings account being added and a credit card being added is that if you use a savigs account you need to take money and put it in your paypal account 5 days ahead of time you want to purchase something. Or pay for it and send an e-check which will take 4-5 days to clear. Credit cards on the other hand are immediate transfer, really the only difference
There would also be the problem of currency differences - I personally couldn't take dollars or euros. And as people said, sending money via post is a very bad idea as its extremely insecure.